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Erudio claimform - old SLC loans - stayed - now N244 **WON SJ refused**


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scan then up please

 

so when did you last defer to SLC before the sale?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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patterns said:
Ok il scan up shortly - what do you need to see on them and what shall/can i cover up?

 

I last deferred the last year before sale, so i have pretty much deferred most years. As soon as it switched hands to Erudio i haven't signed a thing.

 

 

why cant you simply use a copy of the old SLC DAF and send that in

if your situation has not changed

 

 

stuff rodeo

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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just send that to rodeo

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 years later...

you should never ever kick pram wheels if the DCA is not kicking yours.

 

you should have learned that years ago!!

 

never ever blindly send any pointless letter tennis on any debt with asking here FIRST..

 

bad move!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

so why did you not send that deferment form then as advised 2 yrs ago?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

not according to the FOS

 

they have already told Erudio that they must accept the old form with old requirements and cant dictate that their form MUST be used.

 

your issue is now that you sent that [you didn't tell us that till now]

and erudio have since defaulted your credit file and are claiming you are in arrears?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you write to erudio and complain [refer to the case listed on this thread at the end]

http://www.consumeractiongroup.co.uk/forum/showthread.php?447223-Erudio-and-final-FOS-decision

 

demand they REMOVE the whole account from your credit file

and accept the completed SLC old deferment form

[you need to do a new one too? for this year?]

 

else you'll be complaining to the FOS

and seeking financial compensation for the distress caused to you and the financial cripplement their faulty default has caused

 

give them 14 days

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please don't beg them or request this or that - demand

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

well you're not disputing the agreements are you?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

you are not disputing agreements exist...:frusty::frusty:

 

so what good would it do them to copy your sig anywhere....

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 months later...

We have now investigated your complaint raised on decemeber 2015 and unfortunately we have not recieved correspondence from the FSO.

 

 

whats this bit about?

did you complain to the FOS then?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

ignore them then

you sent the deferment form to cover you yes

so you are 'upto date as such with those?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

No let 'em sweat

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 4 months later...

nope AIC are totally powerless

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

well lets see where this goes.

 

one letter stating what they must before passing it around is not harassment

see what evolves

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 1 month later...

No l. Let it run

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

AIC are independent like moorcroft and wetcloths

they simply chase for a fee from 'any' client.

they never own the debt

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 months later...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 3 months later...

third one this week.

 

look like theres a load more of these on the way then too.

 

if you go back to this forum [sLC homepage]

and read the two lastest updates to threads here

 

you'll get the idea

 

but YES you must reply.

but not without us checking it FIRST

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

thread title updated

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Dont send anything extra

Dont need cca either

Dispute is already deferred

 

Just go alone with it

 

I will guess drydens ( or whomever hit the button to sent out these pap letters)

Has no idea what they are doing and has no idea on individual case history

Dont forget drydens think these are just a std consumer credit loan with no idea how slc stuff works

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 weeks later...
i am ready to send off the PAP form and reply.

No CCA to be requested as agreed but wasnt sure about the following points to add. if you've not ever sent a CCA request yes send one staple it to our version of the pap reply form]

I have posted my response draft below.

 

I will tick box D, put as blue below i dispute the debt because..

 

 

and im pretty sure i dont need to send my income and financial statement forms or should i? no we have said don't in that thread.

 

i will be sending pages 10, 11, 12 and 13 signed with the below letter: no you DONT SIGN IT read the text post 4 here https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

_______________

 

I enclose the form requested to be returned.

I bring your attention to that this debt is in dispute as I am not in arrears.

My account should be deferred.

I have been in correspondence with your client, all of which proof is noted.

The deferment forms were sent in the correct timescales and correct under the decision of the financial ombudsman service.

 

I look forward to hearing from you.

___________

 

 

Should i tick box I and add:

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

read the advise here.

I will also require:

 

A copy of the Default Notice (mortgage style loan so N/A?)

A copy of the Notice of Assignment (N/A as Not assigned to anyone new?)

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, by the original creditor or Arrow the debt purchaser or any predecessor.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

 

Not sure those further requests are necessary but wasn't sure.

Anything else i should add? in this thread

https://www.consumeractiongroup.co.uk/forum/showthread.php?490204-SLC-Erudio-1993-loan-now-Dryden-PAP-letter/page2

 

They have sent a copy of all their deferment forms (unsigned

 

 

ticking box H, along with a SAR request to erudio

 

 

(ticking box I), should i do the same?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if you have deferred then they have them you don't need to copy again to them.

when did you last CCA?

 

you cant do anything 'wrong' so I wouldnt really sweat too much about what you need to put or include or say

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

ball is in their court

you do nothing

sit on your hands

 

post 10 and post 16 refer.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 4 weeks later...

yep someone else has had a duplicate too just like you

same again.

I suspect drydens have realised there are numerous loans within the erudio ref number

and are sending out one for each

trouble is they are using the same number :lol:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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